Simply download the app from your app store to use BMO Mobile Banking. For other touch devices that do not have an app, you can access the BMO Mobile Banking through your browser by entering m.bmo.com.

BMO Telephone Banking

Access a wide range of financial services and products from anywhere you have access to a telephone, 24 hours a day, 7 days a week by calling
1-800-363-9992 1-800-363-9992.9 In addition to your day-to-day banking, such as paying bills, transferring funds, obtaining account balances, and a listing of recent transactions, use telephone banking to:

BMO ATM Banking

BMO ATMs give you convenient access to cash withdrawals, up-to-the-minute account balances, deposits, transfers, electronic bill payments, and you can also get a printout of your most recent transactions.

You can use your BMO Debit Card to withdraw cash at BMO Cash ATMs, any ATM in Canada with the Interac®‡ symbol and throughout the world at any ATM with the Maestro®* or Cirrus®*.

All of our BMO ATMs have audio capability to help customers with vision loss complete their banking transactions.

Managing Money

Direct Deposit

Save yourself a trip to the branch or ATM and get immediate access to your money with direct deposit. Enjoy automatic deposits of funds (like your payroll and government payments) into your personal bank accounts.To set up this service, you can download the Direct Deposit form and follow the instructions.

COMING SOON: Government payments by direct deposit only.

By April 2016, all Federal Government payments by cheque such as income tax refunds, GST rebates, Child Tax Benefit and Old Age Security will be phased out and will only be available by Direct Deposit.

For more information about Direct Deposit for government payments

Speak to a representative at our Customer Contact Centre by calling 1-877-225-5266

Bill Payments

Pre-Authorized Payments

With Pre-Authorized Payments, you can set up your bills to be automatically paid from your BMO bank accounts on their due dates. You'll never miss a payment – even when you go on vacation.

To set up this service you'll need your bank account number, institution number and branch transit. You can contact the billing company and follow the instructions that they provide or download the Personal Pre-Authorized Debit Plan form and follow the instructions.

epost™ view bills

With epost, you can have your bills, statements and notices sent directly to your BMO Online Banking account and set up automatic payments from your personal bank accounts. For more information, visit epost.ca

Overdraft Services

Overdraft protection is a simple way to cover unexpected shortfalls in your account and avoid the potential embarrassment of a declined transaction or the cost and inconvenience of a returned cheque.

Standard Overdraft Protection
is best suited for you if your bank accounts tend to go into overdraft once a month or more.

Coverage available from $500 to $2,50011

Your account must have monthly deposits and a positive balance at least once every 90 days

A $4.00 monthly fee applies11,12

Occasional Overdraft Protection offers peace of mind if your accounts do not regularly go into overdraft.

Coverage available from $500 to $2,50011

Your account must have monthly deposits and a positive balance at least once every 90 days

There is no monthly fee. A $5.00 fee per transaction applies11,12

With Overdraft Transfer Service you can pre-arrange to have available funds transferred to your BMO account from one of your other BMO accounts, your BMO credit card or your BMO line of credit to cover any accidental overdraft13. A fee of $5 per transfer applies.14

PlanShare

With our unique PlanShare feature, you and your partner or spouse can save on banking fees by sharing one Bank Plan that includes all your individual and joint bank accounts. And guess what? You only pay a single monthly Plan fee.

Benefits

Open up to 20 accounts (joint and/or individual) under one Bank Plan for one monthly Plan fee

Bank together while maintaining confidentiality on your individual accounts

Personalize your Plan by conveniently organizing your accounts in the way that best suits you and your partner’s needs, including nicknaming your accounts (like "trip" for that vacation to Florida you’re planning)

Account Statements

Track your spending, saving, lending and investing with ease. All BMO statements give you the detailed information you need to take charge of your money.

eStatements

Stay on top of your finances with BMO eStatements. eStatements are an exact replica of your paper statements and are securely accessible through Online Banking from anywhere at any time. See your transactions in online banking without having to wait for your paper statements to arrive. Plus, sign up for BMO Alerts to know when your statement is ready for viewing.

Account Services

Transfer Money

Whether you're sending money across Canada or overseas to family for personal or business reasons, money transfers are simple and convenient with BMO Money Transfer Services. Our reliable technology means you can send money confidently almost anywhere.

Interac®‡ e-Transfer®

Interac®‡ e-Transfers are fast, secure and have the same level of security as BMO Mobile and BMO Online Banking transactions because the money is never sent by email.

Using your personal bank account, all you need is the recipient's email address

Money is deposited once the recipient receives the email, validates their identity, and chooses the deposit account15

Wire Transfers

Our wire payment service is a quick, convenient and secure way to send and receive money.

To send money, visit a BMO branch with the recipient's name, address and bank account number, along with the name and address of their financial institution.

Available to personal banking customers, the Western Union®# Money Transfer™# service allows you to send money within Canada and abroad to more than 200 countries and territories connected to the Western Union®# network.

The fee for a Western Union Money Transfer is $9.00 plus 1% of the amount being remitted. It is charged in Canadian Dollars and added to the total transfer amount.

BMO Alerts

Keep you informed and up-to-date on your personal banking transactions. Simply sign up for BMO Alerts and get the information you need, when you need it. Receive alerts by email or to your smartphone16 to find out when:

Ordering Cheques

For Chequing accounts only: Ordering cheques is easy and you can choose from a variety of designs and features to customize your cheques the way you like.

Online: Sign in to BMO Online Banking and select the account that you would like to order cheques for in the left hand navigation. Click on 'Order cheques' in the sub-menu that will appear. Then follow the instructions provided.